Tax Planning & Preparation
Taxes don't go away in retirement — but surprises should. We help you plan ahead so you're never caught off guard by a tax bill, missed strategy, or confusing change in the law.
Schedule a CallWhat makes our approach different
We Think in Years, Not Just Aprils
Most tax professionals file your return and call it a day. We map out a multi-year tax strategy that saves you more over time.
One Team, Not Three
When your planner, tax pro, and investment advisor all sit at the same table, decisions are faster, easier, and better aligned.
Plain-English Explanations
We make complex tax strategies feel simple and actionable — so you understand exactly what you're doing and why it matters.
Tax services
Unlike most advisors who leave you to figure out taxes on your own, we've built a team that can help you plan for and file your taxes, with a clear goal of lowering your lifetime tax bill.
Roth Conversions
Slowly moving money from a traditional IRA to a Roth IRA can reduce future taxable retirement income, particularly when done in lower-income years.
Tax-Loss Harvesting
Selling investments that lost value can balance out profits in your portfolio, lowering your taxes.
Strategic Withdrawal
Choosing which accounts to draw from, and when, can help manage tax brackets, reduce taxes on social security benefits, and avoid large one-time tax hits.
Charitably Inclined
There are numerous win-win tax strategies we'll help you evaluate and implement. You'll benefit and so will the causes you care about.
Tax Preparation & Filing
Our in-house CPA and Enrolled Agents will prepare and file your return. Already love your accountant? We'll collaborate with them and discount your Heritage fee.
Ready to get started?
Share a little about yourself
Our process starts with getting to know each other. Share a bit about your situation on a short intake form so we can see if there's a potential fit before anyone invests a lot of time.
An introductory conversation
Next up is a relaxed phone call—no pressure, no pitch deck—just a conversation to hear what's on your mind, answer your questions, and make sure we're pointed in the same direction.
If we're both a yes
When it makes sense to keep going, we'll walk through what working together looks like—how we'd organize your financial life, stay proactive, and help you feel confident about the decisions ahead.
Where we work
We serve clients in person and virtually. If you're nearby, we'd love to meet in person at your home or at our office. Many of our clients are located in Naperville, Lisle, Geneva, Chicago, Wheaton, West Chicago, St. Charles, Glen Ellyn, and Winfield.
Frequently asked questions
Heritage Wealth has been serving clients for over 30 years, providing comprehensive financial planning, investment management, and tax services to families approaching and in retirement.
We charge a flat percentage of the assets we manage only on the first $2M invested. Anything above that, and your fee is capped. Tax planning, preparation, and filing are included in our fee. We believe this is extremely fair to our clients.
Your accounts are held at a third-party custodian, not with Heritage Wealth directly. This provides an additional layer of security and transparency for your investments.
We schedule regular check-ins throughout the year to review your plan, discuss any changes in your life, and make adjustments as needed. Most clients meet with us quarterly, but we're always available when you need us.
Yes! Tax planning, preparation, and filing are included in our fee. Our in-house CPA and Enrolled Agents will prepare and file your return. If you already love your accountant, we'll collaborate with them and discount your Heritage fee accordingly.
Yes, Heritage Wealth is a registered investment adviser and we operate as a fiduciary. This means we are legally required to act in your best interest at all times.